York County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for York County, Nebraska based on real HMDA transaction records.

Loan Details

US County (Smart Autofill)

Loan Type

York County, NE Benchmarks

FHA averages

Typical Property Value$217,353

Average Down Payment11.6%

Average Interest Rate6.390%

Effective Tax Rate1.10%

Median Tax Paid$2,263/yr

Tax Growth (Historical)+3.8%

Based on 51 regional loans totaling $9,315,000 (HMDA database).

Home Price

Down Payment

$25,213 down · $192,140 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$199 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$81 / month

Estimated Monthly Payment

$1,652/mo

Principal & Interest$1,222
Property Tax$199
Home Insurance$150
FHA MIP$81

Amortization · Remaining Balance

Financed Loan Amount

$195,503

Total Interest

$244,273

Total of Payments

$439,776

*Includes financed FHA Upfront MIP of $3,362

Local Market Insights

York County FHA Mortgage Overview

In York County, the 11.62% average down payment on FHA loans provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan's life due to the 88.38% LTV ratio. This FHA loan with PMI and taxes in York County, NE, is ideal for primary residence buyers with sub-620 credit. The effective 1.10% property tax rate, adjusted upward by 3.8%, adds a notable monthly cost. For accurate FHA loan limits and tax considerations in York County, Nebraska, factor this into true affordability when evaluating FHA mortgage options with property taxes.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.